<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 17,451 <INT-BEARING-DEPOSITS> 180,535 <FED-FUNDS-SOLD> 575 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 41,211 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 164,917 <ALLOWANCE> (2,064) <TOTAL-ASSETS> 239,808 <DEPOSITS> 35,082 <SHORT-TERM> 0 <LIABILITIES-OTHER> 4,864 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,298 <OTHER-SE> 4,029 <TOTAL-LIABILITIES-AND-EQUITY> 239,808 <INTEREST-LOAN> 3,647 <INTEREST-INVEST> 666 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 4,313 <INTEREST-DEPOSIT> 64 <INTEREST-EXPENSE> 1,466 <INTEREST-INCOME-NET> 2,783 <LOAN-LOSSES> (150) <SECURITIES-GAINS> 12 <EXPENSE-OTHER> 2,181 <INCOME-PRETAX> 464 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 296 <EPS-PRIMARY> 0.21 <EPS-DILUTED> 0.00 <YIELD-ACTUAL> 0 <LOANS-NON> 5,426 <LOANS-PAST> 3,100 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,860 <CHARGE-OFFS> 1,115 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,904 <ALLOWANCE-DOMESTIC> 1,904 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0